If you love sharing your Sam’s Club finds, a Sam’s Club rewards card can boost your savings.
Regular shopper or not, this card gives you convenience and perks. Here’s how to order it and tips for an easy application.
Basics of Sam’s Club Credit Cards
Your $45 Sam’s Club membership likely already saves you money on many items. To maximize your savings and earn rewards, consider these options:
- Sam’s Club Credit Card: Use it only at Sam’s Club and Walmart.
- Sam’s Club Mastercard: Issued by Synchrony Bank, this card offers rewards on everyday spending and can be used more broadly.
Let’s compare the two:
Sam’s Club Credit Card
- Use: Sam’s Club and Walmart stores only
- Annual fee: $0
- Offer: $30 statement credit for spending $30 on Sam’s Club purchases within 30 days
- Rewards: None
- Cash advances: Up to $100
- Online access: Yes
- Foreign transaction fees: None
Sam’s Club Mastercard
- Use: Anywhere Mastercard is accepted
- Annual fee: $0
- Offer: $30 statement credit for spending $30 on Sam’s Club purchases within 30 days
- Rewards: 5% on Sam’s Club purchases (Plus members); 5% on gas (up to $6,000/year); 3% on dining and travel; 1% on other purchases
- Cash advances: Up to $100
- Online access: Yes
- Foreign transaction fees: None
Choose the card that suits your needs for maximum benefits.
Four Facts About Sam’s Club Credit Cards
These credit cards offer perks for frequent Sam’s Club shoppers but have some differences from other rewards cards.
Think about your usage to see if they’re a good fit. Here’s the essential information.
Rewards Limitations
The Sam’s Club Credit Card is basic. It shows your membership and lets you make purchases, but you won’t earn any rewards or cash back.
Cash Back Conditions
The Sam’s Club Mastercard offers 5% cash back on gas up to $6,000 annually, then 1%.
Cashback is capped at $5,000 per year and can only be accessed in February. It must be used at Sam’s Club and expires if not spent.
Card Flexibility
The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart.
The Mastercard can be used anywhere Mastercard is accepted, making it more versatile for earning cash back.
Membership Cost Coverage
New members can get a $45 statement credit by making an online purchase at samsclub.com the same day they sign up for the card.
Existing members can also get this credit by making a $45 online purchase. Note this offer ends on Jan. 15, 2020.
How to Prepare to Order
Follow these steps to get your Sam’s Club Credit Card:
- Check eligibility requirements like age and credit score.
- Ensure you have a valid government-issued ID.
- Have your Social Security number ready.
- Gather income information such as pay stubs or tax returns.
- Decide if you want the basic or Plus membership.
- Review the online application process.
- Read the terms and conditions of the credit card offer.
- Decide if you want to add an authorized user to your account.
Ordering Your Sam’s Club Credit Card
Here’s how to get your Sam’s Club Credit Card:
- Go to the Sam’s Club website or visit a local store.
- Select “Credit Services” and click “Apply Now.”
- Complete the form with your details: name, address, and Social Security number.
- Include any extra information like income and employment.
- Check the terms and conditions.
- Submit the application and wait for approval (a few minutes online).
- After approval, your card arrives in 7-10 business days.
- Activate your card and start using it at Sam’s Club and other places accepting Mastercard.
How to Order In-store
To get your Sam’s Club Credit Card in-store, follow these steps:
- Go to your local Sam’s Club.
- Find the customer service desk or credit card kiosk.
- Ask a staff member for an application form.
- Complete the form with your details.
- Hand the filled form back to the staff for processing.
- Wait a few minutes for approval.
- Your new card will be mailed to you in 7-10 business days if approved.
- Activate your card when you receive it and use your Sam’s Club Credit Card benefits.
Tips for a Smooth Ordering Experience
Make sure you have checked your eligibility and other requirements. Check some tips below for a smoother ordering process:
- Verify your eligibility and collect all required documents.
- Learn about the application process online or get help in-store.
- Complete the application correctly to prevent any delays.
- Carefully read the terms and conditions of the credit card offer.
- Track your application status to provide any additional information if needed.
- Activate your card upon receipt to start enjoying its benefits.
Interest Rates and Benefits of Sam’s Club Credit Card
The Sam’s Club Credit Card offers great deals about interest rates and benefits. Check out some of them:
Benefits of Sam’s Club Credit Card
- Earn cash back: 5% on gas, 3% on dining and travel, 1% on other purchases (up to a limit).
- No annual fee for members.
- Savings and discounts at Sam’s Club and affiliated gas stations.
- Special financing options on select purchases.
- Use your card anywhere Mastercard is accepted.
Interest Rates and Fees
- APR for purchases: 14.90% – 22.90% variable.
- APR for cash advances: 20.90% – 25.90% variable.
- Penalty APR: Up to 29.99% variable.
- Annual fee: $0.
- Cash advance fee: $5 or 3% of each cash advance, whichever is greater.
- Foreign transaction fee: None.
- Late payment fee: Up to $40.
- Returned payment fee: Up to $40.
Rates and fees may change based on your creditworthiness.
How to Earn and Redeem Rewards
Use your Sam’s Club Credit Card to earn rewards and enhance your shopping.
Here’s how to earn and redeem rewards:
Earning Rewards:
- Use your Sam’s Club credit card for purchases.
- Get 5% cash back on gas, 3% on dining and travel, and 1% on other purchases (limits apply).
- Use your card for daily expenses and large purchases.
- Look for special promotions offering extra cash back or rewards.
- Check your rewards balance and earnings online or through the app.
Redeeming Rewards:
- Redeem cash back at any Sam’s Club or samsclub.com.
- Rewards apply as a statement credit, reducing your balance.
- Use rewards for merchandise, gift cards, or other Sam’s Club offers.
- Track rewards expiration dates and plan redemptions for best value.
- Share rewards or donate if your card program permits.
Customer Service
Need help with your Sam’s Club Credit Card? Contact customer service:
- Phone: Call (888) 746-7726. Available Mon-Sat 7 am – 11 pm CST and Sunday 10 am – 8 pm CST.
- Live chat: Use live chat support on the Sam’s Club website. Available Mon-Sun 7 am – 11 pm CST.
Conclusion
Getting a Sam’s Club Credit Card gives you cash back rewards and special financing options. You can apply online or in-store easily.
Enhance your shopping at Sam’s Club. Apply now and enjoy the benefits.
Disclaimer
This guide is for information only, not financial advice. Consult a financial advisor or the Sam’s Club Credit Card issuer for personalized guidance.
